What is the take-home pay for an NHS Band 8c Intermediate in 2026/27?

An NHS Band 8c on the intermediate step has a basic salary of £84,346. After the Tier 6 · 12.5% NHS pension contribution (£10,543), £16,953 PAYE income tax and £3,698 Class 1 National Insurance, the net take-home is £53,152 per year — £4,429.34 per month.

How much more does Band 8c earn with London weighting?

On top of the £84,346 basic, Inner London adds a £8,746 HCAS supplement (20%, clamped to the statutory floor/cap) and Outer London adds £6,137 (15%). That lifts the monthly take-home to £4,797 (Inner) and £4,688 (Outer) respectively — though a larger HCAS can push pensionable pay into a higher cliff-edge pension tier.

Which NHS pension tier applies to Band 8c Intermediate?

At a pensionable gross of £84,346, an NHS Band 8c Intermediate falls in Tier 6 · 12.5%. The NHS scheme is a Net Pay Arrangement, so the contribution is deducted before PAYE — granting immediate tax relief — while National Insurance is still charged on the full gross.

NHS · Agenda for Change · FY 2026/27 Calc-engine routed

NHS Band 8c intermediate step.

Penny-accurate take-home for an NHS Band 8c on the intermediate step — basic pay of £84,346, the cliff-edge Tier 6 · 12.5% NHS pension as a Net Pay Arrangement, and Inner / Outer London HCAS side by side.

Engine note · `computeNhsBreakdown()` — HCAS floor/cap clamp, cliff-edge pension on the whole gross, NI on full gross, PAYE on the post-pension base. Integer pence, no float drift.

Basic (national): £84,346
Net monthly: £4,429
Effective rate: 37.0%

National

No HCAS supplement

Monthly take-home

£4,429

Annual take-home: £53,152
Pensionable gross: £84,346
HCAS supplement: —

Outer London

15% HCAS · floor / cap clamped

Monthly take-home

£4,688

Annual take-home: £56,251
Pensionable gross: £90,483
HCAS supplement: +£6,137

Inner London

20% HCAS · floor / cap clamped

Monthly take-home

£4,797

Annual take-home: £57,569
Pensionable gross: £93,092
HCAS supplement: +£8,746

Deduction stack · NHS Band 8c Intermediate

Standard tax code 1257L, no student loan. NHS pension is a Net Pay Arrangement (deducted before PAYE); NI is charged on the full pensionable gross. Layer pension tiers, HCAS and student loans live in the NHS calculator.

Line item	National	Outer London	Inner London
Pensionable gross	£84,346	£90,483	£93,092
HCAS supplement	£0	£6,137	£8,746
NHS pension	£10,543	£11,310	£11,637
Income tax (PAYE)	£16,953	£19,101	£20,014
National Insurance	£3,698	£3,820	£3,872
Annual take-home	£53,152	£56,251	£57,569
Monthly take-home	£4,429	£4,688	£4,797

Reference · 2026/27 FROZEN

The Tier 6 · 12.5% NHS pension and HMRC thresholds driving the national column above.

Basic salary £84,346
NHS pension tier Tier 6 · 12.5%
Pension contribution £10,543
Inner London HCAS £8,746
Outer London HCAS £6,137
Personal Allowance £12,570

Step through the pay grid

Adjacent steps in this band and the same step on neighbouring bands — plus the interactive tool for pension, HCAS and student-loan overlays.